Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Would you like other articles like this in your inbox? For rookies and experts.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

OCTOBER 28, 2022

Takeaway 1 Signs point to increased loan modifications and loan workouts, and regulators have urged financial institutions to work prudently with borrowers. . Meanwhile, regulators are focusing fresh attention on prudent credit risk management of loans, especially CRE, and loan modifications in general. CRE loan accommodations.

Management 195

Management Risk Management Policies Lending 195

Abrigo

OCTOBER 14, 2022

Takeaway 3 Utilize regulatory guidance to understand regulators' expectations, which are likely to include consistent stress testing. They are having to outsource a lot and increase their operating expenses without any offsetting revenue and while dealing with supply chain issues.” Get to know regulator expectations and priorities.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

MAY 2, 2022

Takeaway 3 Minor inconsistencies between policy and loan portfolio can be a red flag to regulators, so careful review is key. . Your policy should include what type of loans you are actively seeking and what loans you don’t have an appetite for so regulators understand your institution’s direction.

Policies 195

Policies Lending Regulation Examples 195

Abrigo

APRIL 6, 2022

Takeaway 2 The change includes an obligation to inform regulators of a “notification incident” ASAP and no later than 36 hours after a reportable event occurs. Background Historically, the federal banking regulators required financial institutions to file two types of reports for certain cybersecurity incidents.

Security 195

Security Regulation District of Columbia United States 195

Abrigo

NOVEMBER 12, 2016

In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path. Many community banks and credit unions are turning to small business loans as a source of loan growth.

Lending 186

Lending Community Bank Community Analysis 186

Abrigo

MAY 19, 2017

With the National Credit Union Administration issuing its final member business lending (MBL) ruling as of January 2017, credit unions are seeing increased flexibility in their lending limits. Internal foundation for growth The new MBL rule creates a foundation for commercial lending practices and portfolio growth.

Lending 150

Lending Analysis Knowledge Base System 150

Abrigo

AUGUST 27, 2021

It alerts you to weaknesses in your portfolio and gives you an opportunity to correct them before regulators come in,” he says. Ideally, your loan review should operate like a radar, going out and touching the portfolio, constantly scanning, and looking for weaknesses.” Learn more about loan review with this blog. Learn More.

Video 195

Video Lending Regulation Report 195

Abrigo

AUGUST 20, 2015

In addition, the ratio of operating loans to farm income has risen, despite other non-real estate loan volumes, relative to farm income, leveling out. By stress testing , banks have the opportunity to adjust lending standards, capital levels or concentration percentages, among others, based on the results.

Lending 150

Lending Kansas City Kansas Analysis 150

Abrigo

NOVEMBER 9, 2020

Prudential regulators have made it clear that while they will adjust supervisory strategies as appropriate to emerging risks of the pandemic, examiner scrutiny will continue assessing basic principles that ensure the safety and soundness of financial institutions. Loan administration is a basic and yet far-reaching process of lending.

System 195

System Lending Software Risk Management 195

Abrigo

FEBRUARY 5, 2021

Takeaway 3 Meanwhile, regulators continue to reinforce the importance of lenders knowing customers and beneficial owners. In addition, several businesses have been flagged as “inactive” even though they have been operational throughout the pandemic. “The New Guidance Out. PPP fraud-prevention challenges arise. mail, Craig said.

Fraud 195

Fraud Lending Taxes Regulation 195

Celent Banking

JANUARY 22, 2015

Peer to Peer (P2P) lending is one of those situations and banks have started to experiment with it, taking P2P lending to main street. Banks are certainly not playing hide and seek with P2P lending. Regulation is an important issue for banks to get into P2P lending and depending the country, there may be restrictions.

Maine 100

Maine Lending Regulation Risk Management 100

CFPB Monitor

JULY 8, 2019

The CFPB’s annual fair lending report covering its 2018 activities was published in today’s Federal Register. In addition to discussing the symposium and Data Point report in the section on “Access to Credit,” the new fair lending report discusses conducting supervisory reviews of alternative credit scoring models.

Lending 60

Lending Report Policies Compliance 60

Abrigo

NOVEMBER 7, 2019

For CECL, Schroeder explained, the board looked at a range of solutions, from ignoring losses to fair value, and examined each solution to determine if it was operable, understandable, and auditable. Digitizing and automating the business lending process allows for credit unions to drastically improve time- and cost-savings.

Community Bank 150

Community Bank Community Lending Analysis 150

Abrigo

JULY 30, 2020

Regulators will have elevated interest in credit risk and the resulting impact in the months ahead. Meanwhile, recognizing that other financial institutions are vital to their own communities, regulators also have a long history of requiring various stress tests on individual risk areas of other institutions. Asset/Liability.

Capital 248

Capital Analysis Resources Management 248

FICO

OCTOBER 4, 2016

The potential of alternative data in consumer lending decisions continues to be a hot topic in Washington, D.C., Adopted in 1977, the CRA is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.

Lending 74

Lending Data Community FDIC 74

Abrigo

JANUARY 24, 2021

As noted above, in addition to the SBA Form 3508S form, regulators issued updated instructions and SBA Form 3508EZ, and updated instructions and SBA Form 3508. CRE Lending. Lending & Credit Risk. CRE Lending. Lending & Credit Risk. CRE Lending. Lending & Credit Risk. Learn More.

Lending 195

Lending Risk Management Management Payments 195

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Watch NOW Takeaway 1 Portfolio risk and accounting professionals often keep up to date on industry trends by reading Abrigo's blog.

Risk Management 221

Risk Management Regulation Management Lending 221

FICO

JANUARY 19, 2023

At the same time, regulators are doubling down on their expectations of financial organisations and lenders to ensure they provide continued support to those who are deemed to be vulnerable or in financial difficulty. See all Posts chevron_left Blog Home expand_less Back To Top Related posts Four 2023 U.S.

Lending 52

Lending Strategy Analytics Data 52

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

PYMNTS

APRIL 12, 2017

Regulation A+ has made a mostly quiet splash on the market. Years in the making, the regulation was born from the JOBS Act, which was signed into law in 2012, with Title IV of the act — also known as Regulation A+ — enabling average joes to invest in companies seeking capital. A+,” Bhashyam stated in a blog post.

Regulation 102

Regulation Lending social media Operations 102

CFPB Monitor

APRIL 13, 2022

Although the report does not contain any noteworthy information about which we have not previously blogged, the format of the report is noteworthy in that it is different in two important respects from previous semi-annual reports. First, the report does not include an introductory message from the Director (or Acting Director).

Report 78

Report Leadership Analysis Lending 78

BankUnderground

APRIL 28, 2023

The reforms aimed to ensure that banks have sufficient capital resources to absorb losses and reduce the cyclical effects of bank capital (and regulation) on the supply of bank credit in stress. Additionally, regulators in various jurisdictions have been trying to create simpler (but not weaker) regulatory frameworks for small banks.

Capital 78

Capital Lending US Data 78

Abrigo

JUNE 17, 2015

Like other types of lending, banks must remain cautious to avoid too heavy of an agricultural concentration or too much lending within a certain ag segment. The challenge is that market conditions in this type of lending tend to be volatile. Without diversification, risks will be expounded.

How To 150

How To Kansas City Lending Analysis 150

CFPB Monitor

MARCH 30, 2020

Industry practices or borrower harms that regulators will be interested in. Operational areas that may be impacted by working remotely. UDAAP and fair lending issues. Our recent blog posts concerning the COVID-19 crisis that involve issues of particular interest to the consumer financial services industry are available here.

Industry 78

Industry Lending Regulation Groups 78

BankUnderground

NOVEMBER 27, 2020

In a recent paper , we shed new light on the consequences of this type of regulation by examining the recent UK ‘ring-fencing’ legislation. Our results indicate that ring-fencing encourages UK banks subject to the reform to rebalance their activities towards retail lending and away from capital markets.

Lending 109

Lending Retail Groups Maine 109

Abrigo

JANUARY 14, 2021

Operational Risks - Due diligence may have been lax during the rush of applications Compliance Risks - Compliance gaps could occur due to rushed processing Reputational Risks - What if fraud is found in your portfolio and headlines abound? SBA Lending. Following the use of funds may lead somewhere other than what is expected.

Fraud 195

Fraud Compliance Community Trends 195

Abrigo

JUNE 12, 2015

Lenders cited lower commodity prices, rising operating costs and the softening of cash rents. One respondent noted that ‘distressed operations may liquidate under-used items to bolster liquidity.’” The increased ag lending was driven by higher borrowing for current operating expenses and livestock purchases.

Survey 150

Survey Kansas Kansas City Lending 150

CFPB Monitor

APRIL 1, 2021

The agencies observe that the potential risks associated with using AI are not unique to AI, such as creating operational vulnerabilities and consumer protection risks (fair lending, UDAAP, privacy). Fair lending. Financial institutions should use the RFI as an opportunity to bring those areas to the regulators’ attention.

Risk Management 78

Risk Management Training Lending FDIC 78

Accenture

APRIL 4, 2017

In this series, we’ve looked at new challenges financial firms face with regard to anti-money laundering and know your customer regulations (AML/KYC). Processes that are highly complex may best be suited to internal teams, whereas processes with low complexity and high operational volume might be ideal for a managed services approach.

Resources 150

Resources Management Lending Regulation 150

CFPB Monitor

JUNE 30, 2022

We have blogged about this topic several times in several facets, noting how these crimes are estimated to create hundreds of billions in illicit funds each year. The OCC has long been concerned with operational risks posed to banks from cyber attacks. Like FinCEN, it appears that the OCC has this near the top of their priority list.

Compliance 78

Compliance Fraud Technology Operations 78

Abrigo

APRIL 19, 2016

In a recent whitepaper (download), the regulator outlined the general approach it will take as it evaluates innovative products, services and processes that OCC-regulated banks may offer or perform. The product complies with laws and regulations, particularly those aimed at protecting consumers. Support responsible innovation.

Innovation 150

Innovation Fintech Risk Management Community Bank 150

BankUnderground

NOVEMBER 30, 2021

In our paper , we use balance sheet data for 118 UK banks to empirically investigate whether the asset compositions of banks involved in the UK QE operations reacted differently in comparison to banks not involved in the initial rounds of QE between March 2009 and July 2012. QE and bank lending. QE and central bank reserves.

Lending 75

Lending Capital Groups Policies 75

PopularBank

MAY 25, 2021

The panel was hosted on April 29, 2021 and brought together senior housing lending, legal and environmental experts to discuss unique challenges they faced amid COVID-19 disruption and shaping the industry’s future. Are you following current regulations? Underwriting valuation and lending requirement strategies to shift.

National 52

National Industry Lending Strategy 52

William Mills

SEPTEMBER 9, 2016

William Mills Agency will be live blogging at Finovate Fall 2016. I believe SEC regulations require a company to go public if they have more than 500 shareholders. Customers want self-service capabilities but regulation and risk is top of mind that get in the way of digital interactions. Regulated Financial Institution.

social media 40

social media ATM Mobile Customer Experience 40

FICO

AUGUST 10, 2022

The removal of the mortgage market affordability test in the UK could pose challenges at a time when affordability is an important lending issue. Last year saw the highest level of mortgage lending the UK has seen since before the global financial crisis. Affordability Assessments and Unrestrained Lending. by Matt Cox.

Lending 52

Lending Fraud Meeting Data 52

CFPB Monitor

OCTOBER 4, 2022

In this blog post, we highlight a stealth expansion of supervisory jurisdiction and focus on the CFPB’s findings in two key areas: Transcript withholding policies at institutional lenders (e.g. Last week, the CFPB issued a “ Student Loan Servicing Special Edition ” of Supervisory Highlights.

Policies 146

Policies Compliance Payments Training 146